$1,050
Lowest contracted rate
$32,200
Highest contracted rate
30.7×
Spread (high ÷ low)
7
Insurers in file
The spread is 30.7×. Depending on which insurer is paying, HCA Florida Largo Hospital receives between $1,050 and $32,200 for Pneumonia w/o CC.
Rate by insurance company
Sorted lowest to highest. When a plan has multiple sub-plans, the median rate is shown.
| Insurance | Contracted rate |
|---|---|
| Oscar Health | $5,661Lowest |
| Humana 12 plans · range $3,817–$9,814 | $7,128 |
| VA / Champva | $7,349 |
| Molina 3 plans · range $1,834–$11,098 | $7,790 |
| Cigna 4 plans · range $7,790–$9,962 | $9,962 |
| Aetna 38 plans · range $13,610–$21,628 | $13,610 |
| Blue Cross Blue Shield 7 plans · range $7,422–$30,309 | $16,829Highest |
Source: HCA Florida Largo Hospital standard charges file, updated 2025-11-01.
What this means for you
This is the facility fee HCA Florida Largo Hospital contracts to accept from each insurer for Pneumonia w/o CC (DRG 195). It covers the hospital's portion of the bill — the room, nursing, equipment, and OR.
Not included: Surgeon fees, anesthesiologist fees, and specialist fees are billed separately — typically adding 20–40% to the total.
Your actual cost depends on where you stand with your deductible. Before your deductible is met, you pay the full contracted rate. After, you pay your coinsurance percentage.
Get a Good Faith Estimate. Federal law requires hospitals to provide a written cost estimate for planned procedures. Call HCA Florida Largo Hospital patient financial services and request one for DRG 195 under your specific plan before scheduling.